It depends on when you go, how many days and which days you go. A Sunday to Friday stay will be less at DVC in a studio than a moderate but weekends will be significantly more. If you go most years, stay in moderates, value staying on property and don't go heavy on weekends; DVC will be a good choice for you in the long run. 100-120 points will likely be enough unless you're looking at Xmas, Easter or mid Summer for most trips. So for roughly $7-10K and yearly fees in the $500 range, you get a deluxe type of room with a partial kitchen. You give up daily housekeeping and a few other minor issues. If you compare to code discounts, you may or may not break even but you certainly get a LOT more for your money. IMO that's the worst case scenario so most people in your situation should seriously consider buying then make the decision based on their own finances, the specifics of their trips and whether they plan to continue trips at least EOY. Don't buy for trade options though.